SOME 90,727 Filipino workers have benefited from the Pag-IBIG Fund’s loan program in 2025 with P140.54 billion in loan releases, an 8-percent increase from P129.73 billion in 2024.
“They have either bought housing units or financed home construction, renovation or improvement,” Pag-IBIG Fund CEO Marilene Acosta said.
Housing Secretary Jose Ramon Aliling, who also chairs the 11-member Pag-IBIG Fund Board of Trustees, said the housing loan accomplishment in 2025 reflected the sustained work by the Department of Human Settlements and Urban Development under the expanded Pambansang Pabahay Para sa Pilipino (4PH) program to help more Filipino workers secure decent homes.
“This supports President [Ferdinand] Marcos [Jr.’s] directive to accelerate the delivery of affordable housing by keeping financing accessible to our fellow Filipinos,” Aliling said.
“We will build on these gains in 2026 by working even more closely with our shelter partners to speed up loan releases and help more Filipino families move into their own homes,” he said.
While supporting the government’s goal of uplifting the lives of Filipinos through access to decent shelter, Pag-IBIG’s housing loan programs have been designed to keep homeownership affordable for members in the Philippines and abroad, Acosta said.
Acosta said in a statement that the agency has maintained to be fully aligned with the president’s directive to expand access to quality and affordable housing, especially for minimum wage earners and middle-income members.
“As the largest single source of home mortgage financing in the country, we recognize our role in helping more Filipino workers secure safe, decent homes through home loans that remain affordable and responsive to their needs,” she said.
Last year, the Pag-IBIG chief said its loan programs addressed members’ varying needs, including subsidized and promotional rates for eligible borrowers, as well as financing for home repair and improvement.
Of the total housing loans released, the agency said 7,056 expanded 4PH socialized housing units worth P7.63 billion were financed by the program’s subsidized 3-percent interest rate.
It also cited 4,811 housing units worth P6.2 billion financed under its 4.5-percent promotional rate for loans of up to P1.8 million.
Under the Pag-IBIG Housing Loan for the expanded 4PH, qualified local members and all overseas Filipino workers who are first-time homebuyers may avail themselves of loans to purchase socialized housing units at a subsidized 3-percent annual interest rate for the first five years, extendible for another five years for qualified borrowers.
The subsidized rate lowers monthly payments to P4,005 for house-and-lot units priced up to P950,000, and about P8,432 for condominium units priced up to P2 million, Pag-IBIG said.
Meanwhile, Pag-IBIG Fund Acquired Assets that fall within the socialized housing price ceilings are also included.
Through the Early Bird Promo, the first 30,000 qualified borrowers may enjoy the subsidized rate for the first 10 years of the loan, Acosta said.